Important Information for all Public Sector Employees
As a public sector employee approaching normal retirement you will have worked for 20 or more years on a relatively modest salary, but secure in the knowledge of a Government backed pension into retirement. The benefit of a tax free cash lump sum as a commutation of part of your pension will also be appealing.
To ensure that you are able to make the most of these increasingly rare employment benefits, Questa Chartered Financial Planners would like you to consider the following and then talk to us if you are any doubt.
- Have you ever paid taxes when you needn’t have done, because you just didn’t know how to avoid them?
- As many as 90% of the population may never become liable to pay Capital Gains Tax, but are you sure you are one of them?
- Did you know there was a way to ring fence Death in Service Benefit to stop it being offset against other State benefits that a widow or children might be entitled to?
- Are you sure that your Last Will & Testament has been prepared in the most advantageous way by both your Solicitor and your Independent Financial Adviser, so as to protect all your legacies?
- Did you know that there are simple structures you can put in place now, even if your children are very young, that will protect them in the event of (for example)
redundancy or divorce in their adult life? - Have you done everything you possibly can to protect your family from the financial impact of life’s difficulties?
A private chat with Questa Chartered will help you to answer all of these questions and deal with them to the complete advantage of you and your family.